Savannah State traveled to Stillman, Oklahoma, last Saturday only to be shellacked by 19th-ranked Oklahoma State, 84-0, in a virtually meaningless college football game. And next week, the Tigers will likely face another drubbing at the hands of another ranked FBS school, Florida State.

In the world of college football, what seems like a meaningless tussle between two schools at opposing ends of the spectrum, is really what the game has become–a business deal. For schools like Savannah State, an FCS school, and those like San Jose State and San Diego State–both FBS schools but not in BCS conferences–the cold reality of college football is that they must schedule games against more talented FBS schools to pay the bills.

These “payday” games have been around for years. A “lesser” opponent will agree to travel to a “greater” opponent in return for an agreed upon amount of cash. The result is usually a drubbing on the football field, but the payday can help fund a football program or, in some cases, an entire athletic department.

Take San Jose State, for example, who in 2010 made $1.825 million by playing Alabama and Wisconsin on back-to-back Saturdays. They “won” at the bank despite getting beat on the field by a combined score of 75-17. San Diego State has played 23 “payday” games since 2000. Their record in those games–0-23. Last year, the Aztecs received a little over a million dollars to play at Michigan. That equates to ticket sales for an entire season at SDSU.

Schools cannot make huge increases in ticket prices nor can they force more people to buy tickets in order to generate higher revenues. A school can only sell so many t-shirts and other apparel items and schools cannot force donors to write big checks. So, with 12-game schedules the norm now, it only makes good business sense to take a few lumps on the field, cash in, and then continue on with the remaining league games.

The Southland Conference, made up of FCS schools, typically plays several “payday” games every season in order to finance its schools’ athletic budgets. Nicholls State, for example, will play Oregon State, South Alabama, and Tulsa this year. The games will be a good test against better competition and help prepare Nicholls for league play and ultimately, a spot in the 24-team FCS playoffs.

Payday games will continue as the major BCS schools look for additional games that can be used as a “tune-up” for the rest of their schedules. What all the schools involved hope to avoid are injuries that can affect play later on in a season. And, for the big BCS schools, they surely will want to avoid a shocker like 2007’s Michigan upset by Appalachian State. Regardless of what happens on the field, though, as long as there are bills to pay, schools will agree to play for pay.